Call reports 2024
POINTBANK — 2024
What POINTBANK reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 1,064,007,000 | 1,029,027,000 | 1,029,201,000 | 1,032,415,000 |
| Total loans | 549,635,000 | 544,876,000 | 546,520,000 | 544,660,000 |
| Allowance for loan losses | 8,528,000 | 8,710,000 | 8,698,000 | 8,497,000 |
| Securities available for sale | 428,020,000 | 425,859,000 | 443,039,000 | 442,324,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 998,831,000 | 962,420,000 | 927,670,000 | 936,870,000 |
| Interest-bearing deposits | 700,490,000 | 674,524,000 | 638,356,000 | 653,682,000 |
| Noninterest-bearing deposits | 298,341,000 | 287,896,000 | 289,314,000 | 283,188,000 |
| Equity capital | 58,724,000 | 59,544,000 | 73,204,000 | 63,475,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 12,735,000 | 25,519,000 | 38,930,000 | 51,849,000 |
| Interest expense | 6,223,000 | 12,436,000 | 18,335,000 | 23,751,000 |
| Net interest income | 6,512,000 | 13,083,000 | 20,595,000 | 28,098,000 |
| Noninterest income | 1,263,000 | 2,629,000 | 4,158,000 | 5,683,000 |
| Noninterest expense | 5,823,000 | 11,285,000 | 17,020,000 | 22,505,000 |
| Provision for loan losses | 100,000 | 290,000 | 340,000 | 170,000 |
| Pretax income | 1,852,000 | 4,237,000 | 7,443,000 | 10,936,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,852,000 | 4,237,000 | 7,443,000 | 10,936,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 95,102,000 | 96,135,000 | 98,369,000 | 100,510,000 |
| Total capital | 102,956,000 | 104,071,000 | 106,343,000 | 108,503,000 |
| Risk-weighted assets | 652,563,000 | 657,035,000 | 647,208,000 | 645,544,000 |